| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.5 pts |
| Loan growth (YoY) | +18.8% | -2.6% | +21.4 pts |
| ROA | -1.56% | 0.65% | -2.2 pts |
| ROE | -30.5% | 4.4% | -34.9 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.4M | $1.3M | $1.2M | $72K | $-11K | -1.56% | 2.03% | 0.19% | 272 |
| Q1 2026 | $1.6M | $1.5M | $1.3M | $85K | $3K | 0.69% | 2.16% | 0.89% | 279 |
| Q4 2025 | $1.6M | $1.6M | $1.2M | $83K | $-137 | -0.01% | 2.47% | 1.65% | 282 |
| Q3 2025 | $1.5M | $1.4M | $1.1M | $91K | $8K | 0.72% | 2.85% | 1.60% | 279 |
| Q2 2025 | $1.4M | $1.3M | $1.0M | $91K | $8K | 1.12% | 3.16% | 0.58% | 275 |
| Q1 2025 | $1.1M | $1.1M | $964K | $88K | $5K | 1.83% | 4.30% | 1.47% | 265 |
| Q4 2024 | $1.1M | $1.0M | $1.0M | $83K | $-2K | -0.14% | 2.78% | 0.00% | 261 |
| Q3 2024 | $1.1M | $997K | $979K | $78K | $-6K | -0.74% | 2.59% | 0.09% | 261 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.56% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -30.5% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.1M |
| $981K |
| $880K |
| $82K |
| $-2K |
| -0.38% |
| 2.16% |
| 0.93% |
| 259 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $5K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.5% | 80.6% | 78th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Montrose, CO, ranked 13th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montrose, CO | 1 | $1.3M* | 0.09% | 13th |
Colorado: 194th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1